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    Balance Forwarded: Interest Rate

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    Melissa Estrada
    This document contains information about deposits, balances, annual daily balances (ADB), interest rates, dividends, and returns for multiple years of investments. It compares investing a lump sum amount at the start of each year versus making monthly payments. The lump sum investment yields 12% more over 5 years, accumulating to a difference of ₱42,948.56. In conclusion, a lump sum investment at the start of each year will yield 12% more than making equivalent monthly payments.

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    Balance Forwarded: Interest Rate

    Uploaded by

    Melissa Estrada
    40 views5 pages
    This document contains information about deposits, balances, annual daily balances (ADB), interest rates, dividends, and returns for multiple years of investments. It compares investing a lump sum amount at the start of each year versus making monthly payments. The lump sum investment yields 12% more over 5 years, accumulating to a difference of ₱42,948.56. In conclusion, a lump sum investment at the start of each year will yield 12% more than making equivalent monthly payments.

    Original Description:

    mp2 computation

    Original Title

    MP2 Computation

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    This document contains information about deposits, balances, annual daily balances (ADB), interest rates, dividends, and returns for multiple years of investments. It compares investing a lump sum amount at the start of each year versus making monthly payments. The lump sum investment yields 12% more over 5 years, accumulating to a difference of ₱42,948.56. In conclusion, a lump sum investment at the start of each year will yield 12% more than making equivalent monthly payments.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    40 views5 pages

    Balance Forwarded: Interest Rate

    Uploaded by

    Melissa Estrada
    This document contains information about deposits, balances, annual daily balances (ADB), interest rates, dividends, and returns for multiple years of investments. It compares investing a lump sum amount at the start of each year versus making monthly payments. The lump sum investment yields 12% more over 5 years, accumulating to a difference of ₱42,948.56. In conclusion, a lump sum investment at the start of each year will yield 12% more than making equivalent monthly payments.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    You are on page 1of 5

    Yr1 Date Days Deposit Balance ADB=sum[(Bal x Days)/365] Yr2 Date Days Deposit

    Balance
    04-Jan-15 5000 5000 Forwarded
    18-Feb-15 45 5000 10000 616 11-Jul-16 193 30000
    21-Mar-15 31 5000 15000 849 05-Nov-16 117 5000
    08-Apr-15 18 5000 20000 740 31-Dec-16 56
    15-May-15 37 5000 25000 2027
    04-Jun-15 20 5000 30000 1370
    10-Jul-15 36 5000 35000 2959

    08-Aug-15 29 5000 40000 2781


    08-Sep-15 31 5000 45000 3397
    08-Oct-15 30 5000 50000 3699

    08-Nov-15 31 5000 55000 4247


    08-Dec-15 30 5000 60000 4521
    31-Dec-15 23 0 60000 3781

    ADB 30987
    Interest rate 5.33%
    Dividend 1652
    Total
    Deposits 60000
    ROI 2.8%
    End year
    Balance ₱61,652.00
    Balance ADB=sum[(Bal x Days)/365] Yr3 Date Days Deposit Balance
    Balance
    61652 Forwarded 102359
    91652 32600
    96652 29379 ADB
    96652 14829 Interest rate
    Dividend
    Total
    ADB 76808 Deposits
    Interest rate 7.43% ROI
    End year
    Dividend 5707 Balance
    Total
    Deposits 35000
    ROI 16%
    End year
    Balance ₱102,359.00
    ADB=sum[(Bal x Days)/365]

    102359
    8.11%
    8301
    0
    #DIV/0!

    ₱110,660.00
    MonthlyPayment Monthly Months Yearly Contribution Capital + Dividend Dividend rate
    Year 1 5000 12 60000 6%
    2 5000 12 60000 123600 6%
    3 5000 12 60000 191016.00 6%
    4 5000 12 60000 262476.96 6%
    5 5000 12 60000 338225.58 6%

    Lumpsum Monthly Months Yearly Contribution Capital + Dividend Dividend rate


    Year 1 0 12 300000 6%
    2 0 12 0 318000 6%
    3 0 12 0 337080.00 6%
    4 0 12 0 357304.80 6%
    5 0 12 0 378743.09 6%

    Yield difference between


    Lumpsum and Monthly Payment

    ₱42,948.56

    Percentage difference
    12% will yield 12% more! Note: Equivalent ADB returns for simpler comput
    Conclusion: Lumpsum at 1st month of the year
    Dividend Earnings Total Cash at the end of the year
    3600 63600
    7416 131016
    11460.96 202476.96
    15748.62 278225.58
    20293.53 ₱358,519.11

    Dividend Earnings Total Cash at the end of the year


    18000 318000
    19080 337080
    20224.80 357304.80
    21438.29 378743.09
    22724.59 ₱401,467.67

    urns for simpler computation

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